SIP of ₹18,000 per Month for 9 Years
Complete compounding breakdown for a Systematic Investment Plan (SIP) of ₹18,000 monthly over a 9-year investment horizon.
Returns Across Different Asset Classes
| Asset Class / Style | Expected CAGR | Total Invested | Estimated Returns | Maturity Corpus |
|---|---|---|---|---|
| Bank Recurring Deposit (RD) | 6.5% | ₹1,944,000 | +₹702,666 | ₹2,646,666 |
| Public Provident Fund (PPF) | 7.1% | ₹1,944,000 | +₹782,751 | ₹2,726,751 |
| Conservative Hybrid Funds | 8.0% | ₹1,944,000 | +₹908,623 | ₹2,852,623 |
| Large Cap / Nifty 50 Index | 10.0% | ₹1,944,000 | +₹1,215,075 | ₹3,159,075 |
| Diversified Equity (Flexi Cap / Multicap) | 12.0% | ₹1,944,000 | +₹1,562,787 | ₹3,506,787 |
| Mid Cap / Small Cap Funds | 15.0% | ₹1,944,000 | +₹2,175,261 | ₹4,119,261 |
Year-by-Year Wealth Accumulation Schedule (@ 12% CAGR)
| Timeline | Invested Principal | Growth / Gains | Total Corpus Value |
|---|---|---|---|
| Year 1 | ₹216,000 | +₹14,568 | ₹230,568 |
| Year 2 | ₹432,000 | +₹58,378 | ₹490,378 |
| Year 3 | ₹648,000 | +₹135,138 | ₹783,138 |
| Year 4 | ₹864,000 | +₹249,027 | ₹1,113,027 |
| Year 5 | ₹1,080,000 | +₹404,755 | ₹1,484,755 |
| Year 6 | ₹1,296,000 | +₹607,627 | ₹1,903,627 |
| Year 7 | ₹1,512,000 | +₹863,622 | ₹2,375,622 |
| Year 8 | ₹1,728,000 | +₹1,179,478 | ₹2,907,478 |
| Year 9 | ₹1,944,000 | +₹1,562,787 | ₹3,506,787 |
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Frequently Asked Questions
How much will ₹18,000 invested monthly in SIP become after 9 years?
At a standard historical equity index return of 12% CAGR, a monthly SIP of ₹18,000 for 9 years generates a maturity corpus of approximately ₹3,506,787 against an invested principal of ₹1,944,000, earning a wealth gain of ₹1,562,787.
What is the tax on the returns of ₹18,000 SIP after 9 years?
Under Section 112A (revised post-Budget 2024), Long Term Capital Gains (LTCG) from equity mutual funds held for more than 12 months are tax-exempt up to ₹1.25 Lakh per financial year. Profits exceeding ₹1.25 Lakh are taxed at flat 12.5%. For this scenario, estimated tax is ₹179,723, leaving a net post-tax maturity value of ₹3,327,064.
How does an equity SIP compare to a Bank Recurring Deposit (RD)?
In a Bank RD at 6.5% interest, your total corpus would be ₹2,646,666. An equity SIP at 12% delivers ₹3,506,787, generating ₹860,121 in extra wealth due to compounding power.
What will be the real purchasing power of the corpus after inflation?
Assuming an average inflation rate of 6% over 9 years, the purchasing power of your ₹3,506,787 maturity corpus will be equivalent to approximately ₹2,075,662 in today's money.
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